LTV · monthly repayment
▼ 0.50% · 3.625%
HK$39,162
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,380
−HK$1,237/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$44,150
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,567
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,735
−HK$1,186/mo
Today · 4.125%
HK$45,921
baseline
▲ 0.50% · 4.625%
HK$48,341
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,842/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,994
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,456
−HK$1,485/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,280
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,682
−HK$1,423/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,009
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,826
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,532
−HK$1,732/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,809
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,994
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,629
−HK$1,660/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$67,678
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,491
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,683
−HK$2,228/mo
Today · 4.125%
HK$74,911
baseline
▲ 0.50% · 4.625%
HK$79,469
+HK$4,558/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,822/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,420
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,523
−HK$2,134/mo
Today · 4.125%
HK$82,657
baseline
▲ 0.50% · 4.625%
HK$87,014
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,314/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,032 · Scale 2, in force from 26 Feb 2026)